Risk Rating 2.0 is a new tool developed by the Federal Emergency Management Agency (FEMA) for the National Flood Insurance Program (NFIP) to determine whether communities are at risk from flooding.

April 2022 Flood Map Updates: Walworth, Wisconsin

This tool uses a combination of data sources to identify areas where flooding is likely to occur and the same data will also be the basis for your premium rate.

One of the biggest things that this new rating system won't take into account when it comes to premium rates is flood zones. How will this impact these new flood map updates?

Walworth, Wisconsin

Walworth, Wisconsin experienced significant flooding in 2018 and 2019. The floods were caused by a combination of heavy rains and melting snow. The 2018 floods damaged homes, businesses, and infrastructure, and forced many residents to evacuate.

The 2019 floods were even more destructive, causing nearly $2 billion in damage and resulting in the death of one person. In response to the floods, the State of Wisconsin has implemented a number of flood mitigation measures. These measures include constructing levees and floodwalls, dredging rivers and streams, and creating wetlands.

April 2022 Flood Map Updates: Walworth, Wisconsin

However, it is unclear whether these measures will be sufficient to protect against future floods. In 2022, Wisconsin experienced another series of devastating floods. These floods caused $4.5 billion in damage and resulted in the death

This type of history with flooding is only bound to expect to see major flood map changes. Today, we want to talk about the Good, the Bad, and the Ugly changes coming to flood maps of Walworth County, Wisconsin this April 6th, 2022.

The Good

When it comes to the good changes in flood map updates, this generally falls into the "in to out movement". It's called this way because a property that's in a high-risk flood zone will be moved out to a low-risk flood zone like Flood Zone X.

This is a good thing for 151 property owners impacted by this movement in Walworth County. This simply means that your property is being removed from the special flood hazard area (SFHA). This is a significant number because generally, we see fewer properties moving out from a high-risk zone whenever there are new flood insurance rate maps.

This also means that due to the lower risks, your mortgage company will no longer require you to carry flood insurance on your property.

Although we'd love to tell you to cancel that policy, get your refund, and save more money by removing flood insurance from your expenses, it's still a bad idea to not have flood insurance.

The Bad

Now, let's move into the bad changes which are coming in form of the aforementioned "out to in movement". This change is expected to impact only 75 properties in Walworth, Wisconsin. Think of it as getting mapped to a Flood Zone A when you were previously in a Flood Zone X.

Although this doesn't really impact premium rates directly, it's important to note that Flood Zone A generally means that the area doesn't have a base flood elevation.

Being part of this change can still hurt your premium rates regardless of whether you're doing a National Flood Insurance Program (NFIP) policy or a private flood insurance one.

Properties in Flood Zone A, SFHA, or any high-risk zone are also required to carry flood insurance always.

The Ugly

Lastly, we have the ugly change or "in to in movement" which covers the largest impact on this flood map update for the county. At least 2,063 properties will retain their flood zone. This means that if you're in Flood Zone AE, you will stay there until the next flood map update. Think of it as moving from a Flood Zone A to a Flood Zone AE

If you're staying in your flood zone this means that you will also retain the same flood insurance rates since your risks stay the same. On the other hand, if you fall into being moved deeper into the SFHA, which indicates that you're facing a higher risk for flooding, you will also see your premium rates increase significantly.

Now, let's talk about your flood insurance options in Walworth County. Watch the video below to know the difference between the National Flood Insurance Program (NFIP) and the Private Flood Insurance market.

Flood insurance is important now more than ever as we face higher risks for floods. You don't want to be blindsided by all that floodwater and find yourself in a lot of losses.

If you want to learn more about flood insurance in Wisconsin, flood mitigation, or anything related to flood insurance, click below to go to our Flood Learning Center:

Flood Insurance Guru | Service | Knowledge Base

You can also click below to call us:

a person wearing a hat

Risk Rating 2.0 is a new tool developed by the Federal Emergency Management Agency (FEMA) for the National Flood Insurance Program (NFIP) to determine whether communities are at risk from flooding.

This tool uses a combination of data sources to identify areas where flooding is likely to occur and the same data will also be the basis for your premium rate.

April 2022 Flood Map Updates: Surry County, Virginia

One of the biggest things that this new rating system won't take into account when it comes to premium rates is flood zones. However, it is still important to be aware of new flood maps updates as this represents both where flooding can happen and where flood insurance is required.

Surry County

Surry County, Virginia has a long history of flooding. The county is located in the southeastern part of the state, on the Virginia-North Carolina border. The county is home to the Great Dismal Swamp, which is a large wetland that is prone to flooding. The area has also been hit by several hurricanes over the years, which have caused significant flooding.

April 2022 Flood Map Updates: Surry County, Virginia

In recent years, Surry County has been hit by two major floods: one in 2003 and one in 2016. Both of these floods caused significant damage to homes and businesses in the county.

This type of history with flooding is only bound to expect to see major flood map changes. Today, we want to talk about the Good, the Bad, and the Ugly changes coming to flood maps of Surry County, Virginia this April 6th, 2022.

The Good

When it comes to the good changes in flood map updates, this generally falls into the "in to out movement". It's called this way because a property that's in a high-risk flood zone will be moved out to a low-risk flood zone like Flood Zone X.

This is a good thing for only 31 property owners impacted by this movement in Surry County. This simply means that your property is being removed from the special flood hazard area (SFHA).

This also means that due to the lower risks, your mortgage company will no longer require you to carry flood insurance on your property.

Although we'd love to tell you to cancel that policy, get your refund, and save more money by removing flood insurance from your expenses, it's still a bad idea to not have flood insurance.

The Bad

Now, let's move into the bad changes which are coming in form of the aforementioned "out to in movement". This change is expected to impact about 293 properties in Surry County, Virginia. Think of it as getting mapped to a Flood Zone A when you were previously in a Flood Zone X.

Although this doesn't really impact premium rates directly, it's important to note that Flood Zone A generally means that the area doesn't have a base flood elevation.

Being part of this change can still hurt your premium rates regardless of whether you're doing a National Flood Insurance Program (NFIP) policy or a private flood insurance one.

Properties in Flood Zone A, SFHA, or any high-risk zone are also required to carry flood insurance always.

The Ugly

Lastly, we have the ugly change or "in to in movement" which covers the largest impact on this flood map update for the county. At least 968 properties will retain their flood zone. This means that if you're in Flood Zone AE, you will stay there until the next flood map update. Think of it as moving from a Flood Zone A to a Flood Zone AE

If you're staying in your flood zone this means that you will also retain the same flood insurance rates since your risks stay the same. On the other hand, if you fall into being moved deeper into the SFHA, which indicates that you're facing a higher risk for flooding, you will also see your premium rates increase significantly.

April 2022 Flood Map Updates: Surry County, Virginia

Now, let's talk about your flood insurance options in Surry County. Watch the video below to know the difference between the National Flood Insurance Program (NFIP) and the Private Flood Insurance market.

Flood insurance is important now more than ever as we face higher risks for floods. You don't want to be blindsided by all that floodwater and find yourself in a lot of losses.

If you want to learn more about flood insurance in Virginia, flood mitigation, or anything related to flood insurance, click below to go to our Flood Learning Center:

Flood Insurance Guru | Service | Knowledge Base

You can also click below to call us:

a person wearing a hat

Risk Rating 2.0 is a new tool developed by the Federal Emergency Management Agency (FEMA) for the National Flood Insurance Program (NFIP) to determine whether communities are at risk from flooding.

April 2022 Flood Map Update: Harney, Oregon

This tool uses a combination of data sources to identify areas where flooding is likely to occur and the same data will also be the basis for your premium rate.

One of the biggest things that this new rating system won't take into account when it comes to premium rates is flood zones. However, it is still important to be aware of new flood maps updates as this represents both where flooding can happen and where flood insurance is required.

Harney, Oregon

Oregon may not be the first place that comes to mind when you think of floods, but the state has a long and storied history with this natural disaster. From the massive flood of 1862 that destroyed much of downtown Portland to the devastating floods that have struck in recent years, Oregonians know all too well how destructive flooding can be.

April 2022 Flood Map Update: Harney, Oregon

If you're concerned about your home's risk of flooding, it's important to understand your area's history and what steps you can take to protect your property.

Today, we want to talk about the Good, the Bad, and the Ugly changes coming to flood maps of Harney County, Oregon this April 20th, 2022.

The Good

When it comes to the good changes in flood map updates, this generally falls into the "in to out movement". It's called this way because a property that's in a high-risk flood zone will be moved out to a low-risk flood zone like Flood Zone X.

This is a good thing for 486 property owners impacted by this movement in Harney County. This simply means that your property is being removed from the special flood hazard area (SFHA). This is somewhat unexpected because generally, we see fewer properties moving out from a high-risk zone whenever there are new flood insurance rate maps.

This also means that due to the lower risks, your mortgage company will no longer require you to carry flood insurance on your property.

Although we'd love to tell you to cancel that policy, get your refund, and save more money by removing flood insurance from your expenses, it's still a bad idea to not have flood insurance.

The Bad

Now, let's move into the bad changes which are coming in form of the aforementioned "out to in movement". This change is expected to impact only 320 properties in Harney, Oregon. Think of it as getting mapped to a Flood Zone A when you were previously in a Flood Zone X.

Although this doesn't really impact premium rates directly, it's important to note that Flood Zone A generally means that the area doesn't have a base flood elevation.

Being part of this change can still hurt your premium rates regardless of whether you're doing a National Flood Insurance Program (NFIP) policy or a private flood insurance one.

Properties in Flood Zone A, SFHA, or any high-risk zone are also required to carry flood insurance always.

The Ugly

Lastly, we have the ugly change or "in to in movement" which covers the largest impact on this flood map update for the county. At least 3,052 properties will retain their flood zone. This means that if you're in Flood Zone AE, you will stay there until the next flood map update. Think of it as moving from a Flood Zone A to a Flood Zone AE

If you're staying in your flood zone this means that you will also retain the same flood insurance rates since your risks stay the same. On the other hand, if you fall into being moved deeper into the SFHA, which indicates that you're facing a higher risk for flooding, you will also see your premium rates increase significantly.

April 2022 Flood Map Update: Harney, Oregon

Now, let's talk about your flood insurance options in Harney County. Watch the video below to know the difference between the National Flood Insurance Program (NFIP) and the Private Flood Insurance market.

Flood insurance is important now more than ever as we face higher risks for floods. You don't want to be blindsided by all that floodwater and find yourself in a lot of losses.

If you want to learn more about flood insurance in Oregon, flood mitigation, or anything related to flood insurance, click below to go to our Flood Learning Center:

Flood Insurance Guru | Service | Knowledge Base

You can also click below to call us:

a person wearing a hat

Risk Rating 2.0 is a new tool developed by the Federal Emergency Management Agency (FEMA) for the National Flood Insurance Program (NFIP) to determine whether communities are at risk from flooding.

April 2022 Flood Map Updates: Charles City, Virginia

This tool uses a combination of data sources to identify areas where flooding is likely to occur and the same data will also be the basis for your premium rate.

One of the biggest things that this new rating system won't take into account when it comes to premium rates is flood zones. However, it is still important to be aware of new flood maps updates as this represents both where flooding can happen and where flood insurance is required.

Charles City, Virginia

Floods in Charles City Virginia are a common occurrence. The city is situated on the banks of the James River, which is prone to flooding. In recent years, the city has experienced several floods, including one in 2018 that caused significant damage to homes and businesses.

flooding can occur at any time of year but is most common during the spring and summer months when the river is swollen from melting snow and heavy rains. Flooding can also occur during hurricanes and other severe weather events.

April 2022 Flood Map Updates: Charles City, Virginia

When floods do occur, they can cause extensive damage to property and infrastructure. In some cases, people have had to be evacuated from their homes. If you live in or around Charles City, it's important to be prepared for floods.

Today, we want to talk about the Good, the Bad, and the Ugly changes coming to flood maps of Charles City County, Virginia this April 20th, 2022.

April 2022 Flood Map Updates: Charles City, Virginia

The Good

When it comes to the good changes in flood map updates, this generally falls into the "in to out movement". It's called this way because a property that's in a high-risk flood zone will be moved out to a low-risk flood zone like Flood Zone X.

This is a good thing for only 14 property owners impacted by this movement in Charles City County. This simply means that your property is being removed from the special flood hazard area (SFHA).

This also means that due to the lower risks, your mortgage company will no longer require you to carry flood insurance on your property.

Although we'd love to tell you to cancel that policy, get your refund, and save more money by removing flood insurance from your expenses, it's still a bad idea to not have flood insurance.

The Bad

Now, let's move into the bad changes which are coming in form of the aforementioned "out to in movement". This change is expected to impact only 430 properties in Charles City, Virginia. Think of it as getting mapped to a Flood Zone A when you were previously in a Flood Zone X.

Although this doesn't really impact premium rates directly, it's important to note that Flood Zone A generally means that the area doesn't have a base flood elevation.

Being part of this change can still hurt your premium rates regardless of whether you're doing a National Flood Insurance Program (NFIP) policy or a private flood insurance one.

Properties in Flood Zone A, SFHA, or any high-risk zone are also required to carry flood insurance always.

The Ugly

Lastly, we have the ugly change or "in to in movement" which covers the largest impact on this flood map update for the county. At least 648 properties will retain their flood zone. This means that if you're in Flood Zone AE, you will stay there until the next flood map update. Think of it as moving from a Flood Zone A to a Flood Zone AE

If you're staying in your flood zone this means that you will also retain the same flood insurance rates since your risks stay the same. On the other hand, if you fall into being moved deeper into the SFHA, which indicates that you're facing a higher risk for flooding, you will also see your premium rates increase significantly.

Now, let's talk about your flood insurance options in Charles City County. Watch the video below to know the difference between the National Flood Insurance Program (NFIP) and the Private Flood Insurance market.

Flood insurance is important now more than ever as we face higher risks for floods. You don't want to be blindsided by all that floodwater and find yourself in a lot of losses.

If you want to learn more about flood insurance in Virginia, flood mitigation, or anything related to flood insurance, click below to go to our Flood Learning Center:

Flood Insurance Guru | Service | Knowledge Base

You can also click below to call us:

a person wearing a hat

As the storms keep coming, the changes to federal flood insurance come with it as well. Today, we want to unpack the upcoming changes to Flood Insurance Rate Maps (FIRM) to one of the cities with a rich agricultural history, Saint Petersburg, Florida.

Florida Flood Insurance: St. Petersburg Flood Maps of August 2021

We will understand the good, the bad, and the ugly changes coming to this town and what it means for flood insurance for its locals.

Saint Petersburg, Florida

When talking about the Sunshine State and floods, the first thing you might think about is how it has become a hotbed for storms and tornadoes due to its coastal nature. At the time of writing this blog, Florida is being devastated by floods due to severe storms moving in Southern areas of Florida.

Today, we want to unpack the upcoming flood map changes to Saint Petersburg (FL) and although zone designation Flood Insurance Rate Map (FIRM) won't really impact your flood insurance rates with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP), it's important to always keep in mind that this will be used for a regulatory standpoint.

Generally, this still means that if you're in a high-risk flood zone, also known as the special flood hazard areas (SFHA), you're still expected to carry mandatory flood insurance for your property.

You can watch our video on Saint Petersburg flood insurance rate maps update below while reading:

So what are the upcoming changes to Saint Petersburg on August 24th, 2021?

Florida Flood Insurance: St. Petersburg Flood Maps of August 2021

The Good

When it comes to good changes with this new flood map update, we'll be talking about the movement of properties impacted in the city. The good change generally means that buildings and houses that will be getting the best deal out of the floodplain mapping that FEMA is producing.

To be more specific, about 8,216 property owners will have their properties move out of a high-risk flood zone and into the low-risk flood zones. This is what FEMA calls the "in to out" movement. Some would call this moving to a Flood Zone X.

Low-risk flood zones are also known as the preferred flood zone or non-mandatory zones since this is where mortgage companies and the federal government would stop requiring homeowners to purchase flood insurance.

Yes, this means that 8,216 property owners can choose not to purchase flood insurance for their property however, fair warning to everyone, FEMA had constantly reported that 30% of the flood insurance claims come from these low-risk flood areas.

Simply put, this means that you're not really exempted from experiencing floods at all. We've covered this in our previous episode when we talked about the reasons why you might be flooded in a low-risk zone.

The Bad

Now, if there's good news, there's also bad news. This comes in the form of the opposite with the good movement that we're seeing which is what FEMA calls the "out to in" movement. This is generally because your property that wasn't in a high-risk zone or special flood hazard area (SFHA) will be moved into the SFHA and high-risk zones. Some would call this moving from Flood Zone X to Flood Zone A.

Only 4,164 properties will be impacted by this change in FEMA Flood Maps to Saint Petersburg. This is bad for a couple of reasons. One, since FEMA and the National Flood Insurance Program (NFIP) runs through a lot of flood data, they are seeing that your property or the general area that it's in has received an increase in current flood risk as well future flood risk.

Another bad thing about this is that you will be required to start carrying a mandatory flood insurance purchase for your property because of the higher risks it's presenting. Let's be honest, being in a high-risk flood zone or the SFHA can be very expensive when it comes to flood insurance premiums in our current NFIP setup especially if you have a relatively bigger or more expensive property.

The Ugly

Lastly, we still have to discuss the biggest change and the ugliest among these three. The ugly change represents the "in to in" movement. This means that a property that's already in a high-risk flood zone will be mapped into a higher-risk flood zone. You can call this "moving from Flood Zone A to Flood Zone AE".

This will impact about 152,572 properties in Saint Petersburg which is a very huge number. In fact, we rarely see an "in to in" movement that comprises the biggest chunk within these three changes.

However, instead of worrying about a possible flood insurance rate increase (which will disappear by the time NFIP Risk Rating 2.0 kicks in), this simply means that when something like Tropical Storm Elsa happens again, you might face a bigger and more severe flood damage to your property.

Like the bad change, this also means that you have to carry a flood insurance policy on your property to make sure that it's protected at all times. This can also mean higher flood premiums in the current version of the National Flood Insurance Program (NFIP) for when you insure your property and since this will be a mandatory flood insurance purchase, you definitely have to prepare your wallet for it.

There are ways to make these bad and ugly changes easier to manage, however. This starts with your preferred flood insurance option: the National Flood Insurance Program (NFIP) or the Private Flood market. Let's talk more about these two.

Florida Flood Insurance: St. Petersburg Flood Maps of August 2021

The NFIP

The National Flood Insurance Program (NFIP) is purely managed by the federal government since this is FEMA's answer to flood insurance. An NFIP flood policy can get you flood coverage on both your dwelling and the contents within it. When we say dwelling, this simply pertains to either the residential property or commercial building that you're trying to insure with NFIP and FEMA; contents will be more about the personal property and items you have inside the insured building.

There is a coverage limit when it comes to federal flood policies. Flood damage to buildings will be covered to a maximum of $250,000 for residential policies and can only go up to $500,000 maximum if it's for a commercial property. Regardless of the type of property you have written, you can expect to get a $100,000 maximum contents coverage from an NFIP policy.

There's also what's called the Increased Cost of Compliance (ICC) coverage. This is a $30,000 additional coverage for your property in order to make sure that there are flood mitigation efforts made on the property according to the federal government's standards.

Generally, this can include sandbagging your property, installing floodproofing walls, raising your lowest floor from the base flood elevation levels, and putting flood openings. The labor that goes into making these mitigation efforts happen will also be covered under the ICC.

Florida Flood Insurance: St. Petersburg Flood Maps of August 2021

The good thing about the NFIP and FEMA is that they won't really push you immediately to the waters. Instead, they will allow you to ease into the possible flood insurance rate changes you'll be getting with your new flood zone. This is what's called newly mapped rates where FEMA will have you pay a lower flood rate or premium on your first year after the flood map update. This is also known as the Preferred Risk Policy (PRP) and will slowly start to increase until you meet the actual flood insurance premium expected to be paid for in your new flood zone.

There are also perks with your participating community in Saint Petersburg. A participating community gets access to federal flood insurance and disaster assistance, but more importantly, you also get to work with your community on raising your Community Rating System (CRS) score. The CRS measures and rewards the overall flood mitigation efforts done by the community according to FEMA's standards on floodplain management. Simply put, the higher your CRS score is, the bigger the flood insurance discount you'll get from FEMA and the NFIP.

You can start enjoying your NFIP policy after a 30-day waiting period from the flood insurance purchase.

Florida Flood Insurance: St. Petersburg Flood Maps of August 2021

The Private Flood

If the federal flood insurance option doesn't really work for you then you can manage this new floodplain mapping through the private flood insurance market. It's important to note that this market will solely be managed and provided by private insurance companies which generally means that the red tapes FEMA and NFIP has to go through won't be there.

The first thing you'll immediately see with the private flood market is that there are significantly shorter waiting periods for your flood policy. Once you have everything settled and paid for, a private flood insurance policy can take effect on 7 or up to 14 days maximum. 

Another good thing coming out of private flood insurance is that there are no coverage limits. This means that you won't really need to stress over how to get covered for a $500,000 home since it will be fully covered by your policy. This is the same with contents coverage and you'll also get additional coverages like replacement costs, additional living expenses, and loss of use.

Fair warning, it's a known issue in the private insurance market in general that they will do moratoriums when there are risks that are too high for their comforts. This simply means that they will either put a stop or take a break from providing flood insurance policies to a certain area that has higher risks. There's also a chance that you might not get to buy flood insurance from them once they decide to non-renew your policy.

At the end of the day, the choice of where you'll be getting flood insurance depends on you. What's really important is that you know your flood risks and have enough protection from all possible outcomes of a flood event such as flood loss and flood damage.

Get a quote from the Flood Insurance Guru!

If you have questions on these new FEMA flood maps, maybe you want to determine your flood zone, knowing your area's average flood depths and flood data, or anything about flood, reach out to us by clicking below.

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Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long-term. 

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As the storms keep coming, the changes to federal flood insurance come with it as well. Today, we want to unpack the upcoming changes to Flood Insurance Rate Maps (FIRM) to one of the cities with a rich agricultural history, Hart, Michigan.

Michigan Flood Insurance: Hart Flood Map Updates for August 2021

We will understand the good, the bad, and the ugly changes coming to this town and what it means for flood insurance for its locals.

Hart, Michigan

One of the most resounding memory, when you talk about floods and Hart, was what happened in 2017 when the Tuolumne River rose and inundated most of the areas in the city. Just recently this year, we also saw flooding due to storms that also knocked down trees.

Today, we want to unpack the upcoming flood map changes to Hart (MI) and although zone designation Flood Insurance Rate Map (FIRM) won't really impact your flood insurance rates with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP), it's important to always keep in mind that this will be used for a regulatory standpoint.

Generally, this still means that if you're in a high-risk flood zone, also known as the special flood hazard areas (SFHA), you're still expected to carry mandatory flood insurance for your property.

You can watch our video on Hart flood insurance rate maps update below while reading:

So what are the upcoming changes to Hart City on August 24th, 2021?

Michigan Flood Insurance: Hart Flood Map Updates for August 2021

The Good

When it comes to good changes with this new flood map update, we'll be talking about the movement of properties impacted in the city. The good change generally means that buildings and houses that will be getting the best deal out of the floodplain mapping that FEMA is producing.

To be more specific, about 28 property owners will have their properties move out of a high-risk flood zone and into the low-risk flood zones. This is what FEMA calls the "in to out" movement. Some would call this moving to a Flood Zone X.

Low-risk flood zones are also known as the preferred flood zone or non-mandatory zones since this is where mortgage companies and the federal government would stop requiring homeowners to purchase flood insurance.

Yes, this means that 28 property owners can choose not to purchase flood insurance for their property however, fair warning to everyone, FEMA had constantly reported that 30% of the flood insurance claims come from these low-risk flood areas.

Simply put, this means that you're not really exempted from experiencing floods at all. We've covered this in our previous episode when we talked about the reasons why you might be flooded in a low-risk zone.

The Bad

Now, if there's good news, there's also bad news. This comes in the form of the opposite with the good movement that we're seeing which is what FEMA calls the "out to in" movement. This is generally because your property that wasn't in a high-risk zone or special flood hazard area (SFHA) will be moved into the SFHA and high-risk zones. Some would call this moving from Flood Zone X to Flood Zone A.

Only 289 properties will be impacted by this change in FEMA Flood Maps to Hart. This is bad for a couple of reasons. One, since FEMA and the National Flood Insurance Program (NFIP) runs through a lot of flood data, they are seeing that your property or the general area that it's in has received an increase in current flood risk as well future flood risk.

Another bad thing about this is that you will be required to start carrying a mandatory flood insurance purchase for your property because of the higher risks it's presenting. Let's be honest, being in a high-risk flood zone or the SFHA can be very expensive when it comes to flood insurance premiums in our current NFIP setup especially if you have a relatively bigger or more expensive property.

The Ugly

Lastly, we still have to discuss the biggest change and the ugliest among these three. The ugly change represents the "in to in" movement. This means that a property that's already in a high-risk flood zone will be mapped into a higher-risk flood zone. You can call this "moving from Flood Zone A to Flood Zone AE".

This will impact about 1,813 properties in Hart which is a very huge number. In fact, we rarely see an "in to in" movement that comprises the biggest chunk within these three changes. However, instead of worrying about a possible flood insurance rate increase (which will disappear by the time NFIP Risk Rating 2.0 kicks in), this simply means that when something like Tropical Storm Elsa happens again, you might face a bigger and more severe flood damage to your property.

Like the bad change, this also means that you have to carry a flood insurance policy on your property to make sure that it's protected at all times. This can also mean higher flood premiums in the current version of the National Flood Insurance Program (NFIP) for when you insure your property and since this will be a mandatory flood insurance purchase, you definitely have to prepare your wallet for it.

There are ways to make these bad and ugly changes easier to manage, however. This starts with your preferred flood insurance option: the National Flood Insurance Program (NFIP) or the Private Flood market. Let's talk more about these two.

Michigan Flood Insurance: Hart Flood Map Updates for August 2021

The NFIP

The National Flood Insurance Program (NFIP) is purely managed by the federal government since this is FEMA's answer to flood insurance. An NFIP flood policy can get you flood coverage on both your dwelling and the contents within it. When we say dwelling, this simply pertains to either the residential property or commercial building that you're trying to insure with NFIP and FEMA; contents will be more about the personal property and items you have inside the insured building.

There is a coverage limit when it comes to federal flood policies. Flood damage to buildings will be covered to a maximum of $250,000 for residential policies and can only go up to $500,000 maximum if it's for a commercial property. Regardless of the type of property you have written, you can expect to get a $100,000 maximum contents coverage from an NFIP policy.

There's also what's called the Increased Cost of Compliance (ICC) coverage. This is a $30,000 additional coverage for your property in order to make sure that there are flood mitigation efforts made on the property according to the federal government's standards.

Generally, this can include sandbagging your property, installing floodproofing walls, raising your lowest floor from the base flood elevation levels, and putting flood openings. The labor that goes into making these mitigation efforts happen will also be covered under the ICC.

Michigan Flood Insurance: Hart Flood Map Updates for August 2021

The good thing about the NFIP and FEMA is that they won't really push you immediately to the waters. Instead, they will allow you to ease into the possible flood insurance rate changes you'll be getting with your new flood zone. This is what's called newly mapped rates where FEMA will have you pay a lower flood rate or premium on your first year after the flood map update. This is also known as the Preferred Risk Policy (PRP) and will slowly start to increase until you meet the actual flood insurance premium expected to be paid for in your new flood zone.

There are also perks with your participating community in Hart. A participating community gets access to federal flood insurance and disaster assistance, but more importantly, you also get to work with your community on raising your Community Rating System (CRS) score. The CRS measures and rewards the overall flood mitigation efforts done by the community according to FEMA's standards on floodplain management. Simply put, the higher your CRS score is, the bigger the flood insurance discount you'll get from FEMA and the NFIP.

You can start enjoying your NFIP policy after a 30-day waiting period from the flood insurance purchase.

Michigan Flood Insurance: Hart Flood Map Updates for August 2021

The Private Flood

If the federal flood insurance option doesn't really work for you then you can manage this new floodplain mapping through the private flood insurance market. It's important to note that this market will solely be managed and provided by private insurance companies which generally means that the red tapes FEMA and NFIP has to go through won't be there.

The first thing you'll immediately see with the private flood market is that there are significantly shorter waiting periods for your flood policy. Once you have everything settled and paid for, a private flood insurance policy can take effect on the same day or up to 14 days maximum. 

Another good thing coming out of private flood insurance is that there are no coverage limits. This means that you won't really need to stress over how to get covered for a $500,000 home since it will be fully covered by your policy. This is the same with contents coverage and you'll also get additional coverages like replacement costs, additional living expenses, and loss of use.

Fair warning, it's a known issue in the private insurance market in general that they will do moratoriums when there are risks that are too high for their comforts. This simply means that they will either put a stop or take a break from providing flood insurance policies to a certain area that has higher risks. There's also a chance that you might not get to buy flood insurance from them once they decide to non-renew your policy.

At the end of the day, the choice of where you'll be getting flood insurance depends on you. What's really important is that you know your flood risks and have enough protection from all possible outcomes of a flood event such as flood loss and flood damage.

Get a quote from the Flood Insurance Guru!

If you have questions on these new FEMA flood maps, maybe you want to determine your flood zone, knowing your area's average flood depths and flood data, or anything about flood, reach out to us by clicking below.

Get Your Flood Risk Score Here!

Contact Us

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long-term. 

Get a Quote!

As the storms keep coming, the changes to federal flood insurance come with it as well. Today, we want to unpack the upcoming changes to Flood Insurance Rate Maps (FIRM) to one of the cities with a rich agricultural history, Modest, California.

California Flood Insurance: Modesto Flood Map Updates for August 2021

We will understand the good, the bad, and the ugly changes coming to this town and what it means for flood insurance for its locals.

Modesto, CA

One of the most resounding memory, when you talk about floods and Modesto, was what happened in 2017 when the Tuolumne River rose and inundated most of the areas in the city. Just recently this year, we also saw flooding due to storms that also knocked down trees.

Today, we want to unpack the upcoming flood map changes to Modesto (CA) and although zone designation Flood Insurance Rate Map (FIRM) won't really impact your flood insurance rates with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP), it's important to always keep in mind that this will be used for a regulatory standpoint.

Generally, this still means that if you're in a high-risk flood zone, also known as the special flood hazard areas (SFHA), you're still expected to carry mandatory flood insurance for your property.

You can watch our video on Modesto flood insurance rate maps update below while reading:

So what are the upcoming changes to Modesto City on August 24th, 2021?

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

The Good

When it comes to good changes with this new flood map update, we'll be talking about the movement of properties impacted in the city. The good change generally means that buildings and houses that will be getting the best deal out of the floodplain mapping that FEMA is producing.

To be more specific, about 100 property owners will have their properties move out of a high-risk flood zone and into the low-risk flood zones. This is what FEMA calls the "in to out" movement. Some would call this moving to a Flood Zone X.

Low-risk flood zones are also known as the preferred flood zone or non-mandatory zones since this is where mortgage companies and the federal government would stop requiring homeowners to purchase flood insurance.

Yes, this means that 100 property owners can choose not to purchase flood insurance for their property however, fair warning to everyone, FEMA had constantly reported that 30% of the flood insurance claims come from these low-risk flood areas.

Simply put, this means that you're not really exempted from experiencing floods at all. We've covered this in our previous episode when we talked about the reasons why you might be flooded in a low-risk zone.

The Bad

Now, if there's good news, there's also bad news. This comes in the form of the opposite with the good movement that we're seeing which is what FEMA calls the "out to in" movement. This is generally because your property that wasn't in a high-risk zone or special flood hazard area (SFHA) will be moved into the SFHA and high-risk zones. Some would call this moving from Flood Zone X to Flood Zone A.

Only 333 properties will be impacted by this change in FEMA Flood Maps to Modesto. This is bad for a couple of reasons. One, since FEMA and the National Flood Insurance Program (NFIP) runs through a lot of flood data, they are seeing that your property or the general area that it's in has received an increase in current flood risk as well future flood risk.

Another bad thing about this is that you will be required to start carrying a mandatory flood insurance purchase for your property because of the higher risks it's presenting. Let's be honest, being in a high-risk flood zone or the SFHA can be very expensive when it comes to flood insurance premiums in our current NFIP setup especially if you have a relatively bigger or more expensive property.

The Ugly

Lastly, we still have to discuss the biggest change and the ugliest among these three. The ugly change represents the "in to in" movement. This means that a property that's already in a high-risk flood zone will be mapped into a higher-risk flood zone. You can call this "moving from Flood Zone A to Flood Zone AE".

This will impact about 2,357 properties in Modesto which is a very huge number. In fact, we rarely see an "in to in" movement that comprises the biggest chunk within these three changes. However, instead of worrying about a possible flood insurance rate increase (which will disappear by the time NFIP Risk Rating 2.0 kicks in), this simply means that when something like Tropical Storm Elsa happens again, you might face a bigger and more severe flood damage to your property.

Like the bad change, this also means that you have to carry a flood insurance policy on your property to make sure that it's protected at all times. This can also mean higher flood premiums in the current version of the National Flood Insurance Program (NFIP) for when you insure your property and since this will be a mandatory flood insurance purchase, you definitely have to prepare your wallet for it.

There are ways to make these bad and ugly changes easier to manage, however. This starts with your preferred flood insurance option: the National Flood Insurance Program (NFIP) or the Private Flood market. Let's talk more about these two.

California Flood Insurance: Modesto Flood Map Updates for August 2021

The NFIP

The National Flood Insurance Program (NFIP) is purely managed by the federal government since this is FEMA's answer to flood insurance. An NFIP flood policy can get you flood coverage on both your dwelling and the contents within it. When we say dwelling, this simply pertains to either the residential property or commercial building that you're trying to insure with NFIP and FEMA; contents will be more about the personal property and items you have inside the insured building.

There is a coverage limit when it comes to federal flood policies. Flood damage to buildings will be covered to a maximum of $250,000 for residential policies and can only go up to $500,000 maximum if it's for a commercial property. Regardless of the type of property you have written, you can expect to get a $100,000 maximum contents coverage from an NFIP policy.

There's also what's called the Increased Cost of Compliance (ICC) coverage. This is a $30,000 additional coverage for your property in order to make sure that there are flood mitigation efforts made on the property according to the federal government's standards.

Generally, this can include sandbagging your property, installing floodproofing walls, raising your lowest floor from the base flood elevation levels, and putting flood openings. The labor that goes into making these mitigation efforts happen will also be covered under the ICC.

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

The good thing about the NFIP and FEMA is that they won't really push you immediately to the waters. Instead, they will allow you to ease into the possible flood insurance rate changes you'll be getting with your new flood zone. This is what's called newly mapped rates where FEMA will have you pay a lower flood rate or premium on your first year after the flood map update. This is also known as the Preferred Risk Policy (PRP) and will slowly start to increase until you meet the actual flood insurance premium expected to be paid for in your new flood zone.

There are also perks with your participating community in Modesto. A participating community gets access to federal flood insurance and disaster assistance, but more importantly, you also get to work with your community on raising your Community Rating System (CRS) score. The CRS measures and rewards the overall flood mitigation efforts done by the community according to FEMA's standards on floodplain management. Simply put, the higher your CRS score is, the bigger the flood insurance discount you'll get from FEMA and the NFIP.

You can start enjoying your NFIP policy after a 30-day waiting period from the flood insurance purchase.

California Flood Insurance: Modesto Flood Map Updates for August 2021

The Private Flood

If the federal flood insurance option doesn't really work for you then you can manage this new floodplain mapping through the private flood insurance market. It's important to note that this market will solely be managed and provided by private insurance companies which generally means that the red tapes FEMA and NFIP has to go through won't be there.

The first thing you'll immediately see with the private flood market is that there are significantly shorter waiting periods for your flood policy. Once you have everything settled and paid for, a private flood insurance policy can take effect on the same day or up to 14 days maximum. 

Another good thing coming out of private flood insurance is that there are no coverage limits. This means that you won't really need to stress over how to get covered for a $500,000 home since it will be fully covered by your policy. This is the same with contents coverage and you'll also get additional coverages like replacement costs, additional living expenses, and loss of use.

Fair warning, it's a known issue in the private insurance market in general that they will do moratoriums when there are risks that are too high for their comforts. This simply means that they will either put a stop or take a break from providing flood insurance policies to a certain area that has higher risks. There's also a chance that you might not get to buy flood insurance from them once they decide to non-renew your policy.

At the end of the day, the choice of where you'll be getting flood insurance depends on you. What's really important is that you know your flood risks and have enough protection from all possible outcomes of a flood event such as flood loss and flood damage.

Get a quote from the Flood Insurance Guru!

If you have questions on these new FEMA flood maps, maybe you want to determine your flood zone, knowing your area's average flood depths and flood data, or anything about flood, reach out to us by clicking below.

Get Your Flood Risk Score Here!

Contact Us

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long-term. 

Get a Quote!

As the storms keep coming, the changes to federal flood insurance come with it as well. Today, we want to unpack the upcoming changes to Flood Insurance Rate Maps (FIRM) in Everybody's Home Town, Prescott, Arizona. We will understand the good, the bad, and the ugly changes coming to this town and what it means for flood insurance for its locals.

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

Prescott, AZ

Prescott is no stranger to flooding especially when we talk about more pluvial ones like flash flooding due to rainfall. Earlier this month, Yavapai County and the Prescott Valley faced heavy rainfall that immediately caused flooding to these two areas.

At the time of writing, multiple areas of Arizona like Phoenix and Prescott itself are under a flood watch warning due to the expected continuous rainfall from Hurricane Ida.

Today, we want to unpack the upcoming flood map changes to Prescott Arizona and although zone designation Flood Insurance Rate Map (FIRM) won't really impact your flood insurance rates with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP), it's important to always keep in mind that this will be used for a regulatory standpoint.

Generally, this still means that if you're in a high-risk flood zone, also known as the special flood hazard areas (SFHA), you're still expected to carry mandatory flood insurance for your property.

So what are the upcoming changes to Prescott City on August 24th, 2021?

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

The Good

When it comes to good changes with this new flood map update, we'll be talking about the movement of properties impacted in the city. The good change generally means that buildings and houses that will be getting the best deal out of the floodplain mapping that FEMA is producing.

To be more specific, about 107 property owners will have their properties move out of a high-risk flood zone and into the low-risk flood zones. This is what FEMA calls the "in to out" movement. Some would call this moving to a Flood Zone X.

Low-risk flood zones are also known as the preferred flood zone or non-mandatory zones since this is where mortgage companies and the federal government would stop requiring homeowners to purchase flood insurance.

Yes, this means that 107 property owners can choose not to purchase flood insurance for their property however, fair warning to everyone, FEMA had constantly reported that 30% of the flood insurance claims come from these low-risk flood areas.

Simply put, this means that you're not really exempted from experiencing floods at all. We've covered this in our previous episode when we talked about the reasons why you might be flooded in a low-risk zone.

The Bad

Now, if there's good news, there's also bad news. This comes in the form of the opposite with the good movement that we're seeing which is what FEMA calls the "out to in" movement. This is generally because your property that wasn't in a high-risk zone or special flood hazard area (SFHA) will be moved into the SFHA and high-risk zones. Some would call this moving from Flood Zone X to Flood Zone A.

Only 11 properties will be impacted by this change in FEMA Flood Maps to Prescott. This is bad for a couple of reasons. One, since FEMA and the National Flood Insurance Program (NFIP) runs through a lot of flood data, they are seeing that your property or the general area that it's in has received an increase in current flood risk as well future flood risk.

Another bad thing about this is that you will be required to start carrying a mandatory flood insurance purchase for your property because of the higher risks it's presenting. Let's be honest, being in a high-risk flood zone or the SFHA can be very expensive when it comes to flood insurance premiums in our current NFIP setup especially if you have a relatively bigger or more expensive property.

The Ugly

Lastly, we still have to discuss the biggest change and the ugliest among these three. The ugly change represents the "in to in" movement. This means that a property that's already in a high-risk flood zone will be mapped into a higher-risk flood zone. You can call this "moving from Flood Zone A to Flood Zone AE".

This will impact about 2,899 properties in Prescott which is a very huge number. In fact, we rarely see an "in to in" movement that comprises the biggest chunk within these three changes. However, instead of worrying about a possible flood insurance rate increase (which will disappear by the time NFIP Risk Rating 2.0 kicks in), this simply means that when something like Tropical Storm Elsa happens again, you might face a bigger and more severe flood damage to your property.

Like the bad change, this also means that you have to carry a flood insurance policy on your property to make sure that it's protected at all times. This can also mean higher flood premiums in the current version of the National Flood Insurance Program (NFIP) for when you insure your property and since this will be a mandatory flood insurance purchase, you definitely have to prepare your wallet for it.

There are ways to make these bad and ugly changes easier to manage, however. This starts with your preferred flood insurance option: the National Flood Insurance Program (NFIP) or the Private Flood market. Let's talk more about these two.

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

The NFIP

The National Flood Insurance Program (NFIP) is purely managed by the federal government since this is FEMA's answer to flood insurance. An NFIP flood policy can get you flood coverage on both your dwelling and the contents within it. When we say dwelling, this simply pertains to either the residential property or commercial building that you're trying to insure with NFIP and FEMA; contents will be more about the personal property and items you have inside the insured building.

There is a coverage limit when it comes to federal flood policies. Flood damage to buildings will be covered to a maximum of $250,000 for residential policies and can only go up to $500,000 maximum if it's for a commercial property. Regardless of the type of property you have written, you can expect to get a $100,000 maximum contents coverage from an NFIP policy.

There's also what's called the Increased Cost of Compliance (ICC) coverage. This is a $30,000 additional coverage for your property in order to make sure that there are flood mitigation efforts made on the property according to the federal government's standards. Generally, this can include sandbagging your property, installing floodproofing walls, raising your lowest floor from the base flood elevation levels, and putting flood openings. The labor that goes into making these mitigation efforts happen will also be covered under the ICC.

Arizona Flood Insurance: Prescott Flood Map Updates for August 2021.

The good thing about the NFIP and FEMA is that they won't really push you immediately to the waters. Instead, they will allow you to ease into the possible flood insurance rate changes you'll be getting with your new flood zone. This is what's called newly mapped rates where FEMA will have you pay a lower flood rate or premium on your first year after the flood map update. This is also known as the Preferred Risk Policy (PRP) and will slowly start to increase until you meet the actual flood insurance premium expected to be paid for in your new flood zone.

There are also perks with your participating community in Prescott. A participating community gets access to federal flood insurance and disaster assistance, but more importantly, you also get to work with your community on raising your Community Rating System (CRS) score. The CRS measures and rewards the overall flood mitigation efforts done by the community according to FEMA's standards on floodplain management. Simply put, the higher your CRS score is, the bigger the flood insurance discount you'll get from FEMA and the NFIP.

You can start enjoying your NFIP policy after a 30-day waiting period from the flood insurance purchase.

The Private Flood

If the federal flood insurance option doesn't really work for you then you can manage this new floodplain mapping through the private flood insurance market. It's important to note that this market will solely be managed and provided by private insurance companies which generally means that the red tapes FEMA and NFIP has to go through won't be there.

The first thing you'll immediately see with the private flood market is that there are significantly shorter waiting periods for your flood policy. Once you have everything settled and paid for, a private flood insurance policy can take effect on the same day or up to 14 days maximum. 

Another good thing coming out of private flood insurance is that there are no coverage limits. This means that you won't really need to stress over how to get covered for a $500,000 home since it will be fully covered by your policy. This is the same with contents coverage and you'll also get additional coverages like replacement costs, additional living expenses, and loss of use.

Fair warning, it's a known issue in the private insurance market in general that they will do moratoriums when there are risks that are too high for their comforts. This simply means that they will either put a stop or take a break from providing flood insurance policies to a certain area that has higher risks. There's also a chance that you might not get to buy flood insurance from them once they decide to non-renew your policy.

At the end of the day, the choice of where you'll be getting flood insurance depends on you. What's really important is that you know your flood risks and have enough protection from all possible outcomes of a flood event such as flood loss and flood damage.

Get a quote from the Flood Insurance Guru!

If you have questions on these new FEMA flood maps, maybe you want to determine your flood zone, knowing your area's average flood depths and flood data, or anything about flood, reach out to us by clicking below.

Get Your Flood Risk Score Here!

Contact Us

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long-term. 

Get a Quote!

As the storms keep coming, the changes to federal flood insurance come with it as well. Today, we want to unpack the upcoming changes to Flood Insurance Rate Maps (FIRM) in the Magic City, Birmingham, Alabama. We will understand the good, the bad, and the ugly changes coming to this town and what it means for flood insurance for its locals.

Alabama Flood Insurance: Birmingham Flood Map Updates

Birmingham, Alabama

Birmingham is still the city with the biggest population when it comes to the state of Alabama. However, Birmingham Alabama is dropping numbers — alongside Montgomery Alabama — when it comes to its population which according to AL.com. Huntsville City is coming to a very close second and might even dethrone the city anytime soon. This type of development and growth can also mean that flooding can drastically change as well. We've seen earlier just this year how Birmingham, Alabama was hit with massive floods due to heavy rainfall.

Hopefully, you also realize that you really don't need to be in a flood zone to get flooded. Just this week of August 16, we saw a lot of places in Georgia, North Carolina, and Florida devastated with flash floods from continuous rain.

Today, we want to unpack the upcoming flood map changes to Birmingham Alabama, and although zone designation Flood Insurance Rate Map (FIRM) won't really impact your flood insurance rates with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP) in their upcoming new Risk Rating 2.0 program. It's important to always keep in mind that this will be used from a regulatory standpoint. Generally, this still means that if you're in a high-risk flood zone, also known as the special flood hazard areas (SFHA), you're still expected to carry mandatory flood insurance for your property.

So what are the upcoming changes to Birmingham City on September 24th, 2021?

Alabama Flood Insurance: Birmingham Flood Map Updates

The Good

When it comes to good changes with this new flood map update, we'll be talking about the movement of properties impacted in the city. The good change generally means that buildings and houses that will be getting the best deal out of the floodplain mapping that FEMA is producing.

To be more specific, about 2,994 property owners will have their properties move out of a high-risk flood zone and into the low-risk flood zones. This is what FEMA calls the "in to out" movement. Some would call this moving to a Flood Zone X.

Low-risk flood zones are also known as the preferred flood zone or non-mandatory zones since this is where mortgage companies and the federal government would stop requiring homeowners to purchase flood insurance.

Yes, this means that 2,994 property owners can choose not to purchase flood insurance for their property however, fair warning to everyone, FEMA had constantly reported that 30% of the flood insurance claims come from these low-risk flood areas.

Simply put, this means that you're not really exempted from experiencing floods at all. We've covered this in our previous episode when we talked about the reasons why you might be flooded in a low-risk zone.

The Bad

Now, if there's good news, there's also bad news. This comes in the form of the opposite with the good movement that we're seeing which is what FEMA calls the "out to in" movement. This is generally because your property that wasn't in a high-risk zone or special flood hazard area (SFHA) will be moved into the SFHA and high-risk zones. Some would call this "moving from Flood Zone X to Flood Zone A."

Only 157 properties will be impacted by this change in FEMA Flood Maps to Birmingham. This is bad for a couple of reasons. One, since FEMA and the National Flood Insurance Program (NFIP) runs through a lot of flood data, they are seeing that your property or the general area that it's in has received an increase in current flood risk and/or possible future flood risk.

Another bad thing about this is that you will be required to start carrying a mandatory flood insurance purchase for your property because of the higher risks it's presenting. Let's be honest, being in a high-risk flood zone or the SFHA can be very expensive when it comes to flood insurance premiums in our current NFIP setup especially if you have a relatively bigger or more expensive property.

The Ugly

Lastly, we still have to discuss the biggest change and the ugliest among these three. The ugly change represents the "in to in" movement. This means that a property that's already in a high-risk flood zone will be mapped into a higher-risk flood zone. You can call this "moving from Flood Zone A to Flood Zone AE."

This will impact about 12,889 properties in Birmingham which is a very huge number. In fact, we rarely see an "in to in" movement that comprises the biggest chunk within these three changes. However, instead of worrying about a possible flood insurance rate increase (which will disappear by the time NFIP Risk Rating 2.0 kicks in), this simply means that when something like Tropical Storm Elsa happens again, you might face a bigger and more severe flood damage to your property.

Like the bad change, this also means that you have to carry a flood insurance policy on your property to make sure that it's protected at all times. This can also mean higher flood premiums in the current version of the National Flood Insurance Program (NFIP) for when you insure your property and since this will be a mandatory flood insurance purchase, you definitely have to prepare your wallet for it.

There are ways to make these bad and ugly changes easier to manage however. This starts with your preferred flood insurance option: the National Flood Insurance Program (NFIP) or the Private Flood market. Let's talk more about these two.

Flood Insurance Options in Birmingham

The NFIP

The National Flood Insurance Program (NFIP) is purely managed by the federal government since this is FEMA's answer to flood insurance. An NFIP flood policy can get you flood coverage on both your dwelling and the contents within it. When we say dwelling, this simply pertains to either the residential property or commercial building that you're trying to insure with NFIP and FEMA; contents will be more about the personal property and items you have inside the insured building.

There is a coverage limit when it comes to federal flood policies. Flood damage to buildings will be covered to a maximum of $250,000 for residential policies and can only go up to $500,000 maximum if it's for a commercial property. Regardless of the type of property you have written, you can expect to get a $100,000 maximum contents coverage from an NFIP policy.

There's also what's called the Increased Cost of Compliance (ICC) coverage. This is a $30,000 additional coverage for your property in order to make sure that there are flood mitigation efforts made on the property according to the federal government's standards. Generally, this can include sandbagging your property, installing floodproofing walls, raising your lowest floor from the base flood elevation levels, and putting flood openings. The labor that goes into making these mitigation efforts happen will also be covered under the ICC.

Alabama Flood Insurance: Birmingham Flood Map Updates

The good thing about the NFIP and FEMA is that they won't really push you immediately to the waters. Instead, they will allow you to ease into the possible flood insurance rate changes you'll be getting with your new flood zone. This is what's called newly mapped rates where FEMA will have you pay a lower flood rate or premium on your first year after the flood map update. This is also known as the Preferred Risk Policy (PRP) and will slowly start to increase until you meet the actual flood insurance premium expected to be paid for in your new flood zone.

There are also perks with your participating community in Birmingham. A participating community gets access to federal flood insurance and disaster assistance, but more importantly, you also get to work with your community on raising your Community Rating System (CRS) score. The CRS measures and rewards the overall flood mitigation efforts done by the community according to FEMA's standards on floodplain management. Simply put, the higher your CRS score is, the bigger the flood insurance discount you'll get from FEMA and the NFIP.

You can start enjoying your NFIP policy after a 30-day waiting period from the flood insurance purchase.

The Private Flood

If the federal flood insurance option doesn't really work for you then you can manage this new floodplain mapping through the private flood insurance market. It's important to note that this market will solely be managed and provided by private insurance companies which generally means that the red tapes FEMA and NFIP has to go through won't be there.

The first thing you'll immediately see with the private flood market is that there are significantly shorter waiting periods for your flood policy. Once you have everything settled and paid for, a private flood insurance policy can take effect on the same day or up to 14 days maximum. 

Another good thing coming out of private flood is that there are no coverage limits. This means that you won't really need to stress over how to get covered for a $500,000 home since it will be fully covered by your policy. This is the same with contents coverage and you'll also get additional coverages like replacement costs, additional living expenses, and loss of use.

Fair warning, it's a known issue in the private insurance market in general that they will do moratoriums when there are risks that are too high for their comforts. This simply means that they will either put a stop or take a break from providing flood insurance policies to a certain area that has higher risks. There's also a chance that you might not get to buy flood insurance from them once they decide to non-renew your policy.

At the end of the day, the choice of where you'll be getting flood insurance depends on you. What's really important is that you know your flood risks and have enough protection from all possible outcomes of a flood event such as flood loss and flood damage.

If you have questions on these new FEMA flood maps, maybe you want to determine your flood zone, knowing your area's average flood depths and flood data, or anything about flood, reach out to us.

Get Your Flood Risk Score Here!

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks, your flood insurance, and mitigating your property long-term. 

As we further go into the Spring season, we slowly enter into the hurricane season as well. This year, the National Oceanic and Atmospheric Administration (NOAA) announced twenty-one names for upcoming hurricanes. Although this doesn't mean that we'll certainly get at least twenty-one hurricanes, it's still a good heads up for what might come this hurricane season. Today, we want to talk about the flood map changes coming to Dubuque in the state of Iowa and understand what it can mean for flood insurance.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

We want to unpack the good, the bad, and the ugly changes of these flood insurance map (FIRM) changes. We also want to tell you how this can impact your rates and what your flood insurance options are.

Flooding in Iowa

First, we want to cover the flooding that Iowa had experienced in recent years especially in Dubuque in order to understand how the Federal Emergency Management Agency (FEMA) — who analyzed, researched, and created these flood maps — arrived into the update they'll be putting into effect on May 10th (Monday).

In June 2008, Central Iowa was impacted by huge flooding that was considered worse for Iowa if you were to put it beside the Great Flood of 1993. This event totaled six billion dollars in damages and thankfully, no casualties. However, the amount of damages despite the flood mitigation efforts were felt throughout the state. Although Dubuque wasn't impacted compared to other parts of the state, the constant threat of flash floods was always there through the time of the flooding. The cause for this flooding was the warm and wet air clashing with what winter left on the state bringing rainfall and rivers rising.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

Three years later, Iowa faced another flooding incident known as the Missouri River Flooding 2011. As expected, the winter leftovers were the culprit for the flooding as there were record snowfalls over Montana and Wyoming plus spring storms or rainfall causing rivers to rise and dams along the Missouri River to release record amounts of water to prevent overflowing. This caused levees across Iowa to collapse bringing flash floods to its local residents.

In retrospect, we've seen how much damages can constant rainfall in Spring can cause and how areas or states close to Iowa can impact flooding as well. This may happen again as we're seeing record levels of snowfall from winter on multiple states and relatively strong storms too.

Now, let's talk about the good, the bad, and the ugly changes that this new flood map update will bring to residents of Dubuque.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

The Good

When it comes to what we call the good changes, this happens when your property is moved out of a high-risk flood zone or some would say "out of a flood zone". Although the latter statement is never true since you're always mapped into a flood zone, it just depends on how high the risks for flooding that you're property's facing is.

In the good flood map changes, this means that you're in an "in to out" movement which is something that around 1200 Dubuque residents will experience on May 10th. This means that previously, the property's mapped in a high-risk flood zone and is moving to preferred flood zones or low-risk flood zones. Some would call this moving to Flood Zone X.

This means that you will also get preferred flood insurance rates and flood insurance won't be required but is still highly recommended. It's important to note that even low-risk flood zones like Flood Zone X are still subject to flooding. In fact, most flood claims are coming from these zones according to FEMA.  Now, when we say preferred rates, this means that you're getting the lowest possible premium rates for your flood insurance compared to those if you're moving into these low-risk zones. This can mean that your flood insurance rate will be around $1,000 or maybe lower than that.

The Bad

Now, when it comes to the bad changes, this is the exact opposite of the good changes. In the case of Dubuque, about 370 residents are moving into high-risk flood zone, like Flood Zone A, when previously they're in a low-risk flood zone. This movement is shown as the "out to in" in these flood map updates.

This means that these homeowners will now be required to carry flood insurance for their property since generally moving into high-risk flood zones prompts mortgage companies to impose mandatory flood insurance for the property. If you don't buy it yourself then your mortgage lender might force-place a policy for your house which is a really bad deal.

Flood insurance rates in these areas will also be higher. If Iowa's average flood insurance rate is about $1,045 then you can expect your premiums to be around this price and up to $3,000 depending on the construction of your house. If your property also has flood claims previously, this can also affect your rates and cause it to go significantly higher.

The Ugly

Now, let's talk about the worst part of these flood map changes which is what we usually call an ugly change. This is because of the movement that around 4200 properties will be going through this May 10th. The movement is shown as the "in to in" because these properties will be moving deeper into the high-risk flood zones or higher-risk flood zones.

The movement might be because you're in a Flood Zone A before the updates and then you're now going to be mapped into Flood Zone AE. This will bring a drastic increase in your flood insurance premiums. If we were to go back to the premiums we mentioned previously, this can go up to $5,000 to $8,000 in FEMA. This is the same for the bad changes since your mortgage will be requiring you to carry a policy, mandatory flood insurance, with your property. The federal flood insurance may also require you to produce and submit additional documents like photos and elevation certificates in order to write a policy for you, and this costs a lot of money as well. 

Now, we want to cover your flood insurance options since we know that this is one of the most important things to prepare for the hurricane season.

Flood Insurance Options

The NFIP

First, let's go through the well-known option which is federal flood insurance. Also known as the National Flood Insurance Program (NFIP) is the government-backed option where you have to go through FEMA to get your policy here. It's important to note that there are certain red tapes you need to consider when going to federal flood insurance.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

The NFIP offers maximum coverage for property damage of up to $250,000 and contents coverage or personal property coverage of $100,000 maximum. It's important to note that this number won't go up for residential properties. This can go up to $500,000 max only for commercial properties with the same coverage for contents. The NFIP won't be covering additional living expenses unless there's a presidential declaration, replacement costs, and loss of use.

It's also important to note that if you're looking to go through FEMA for your flood policy, there will be a strict 30-day waiting period before your policy can take effect. Depending on how fast you process the necessary requirements for flood insurance purchase, this may go up to 60 days especially if there are additional documents being asked.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

One of the great things about the NFIP is if you're in a participating community, your Community Rating Score (CRS) can really benefit your flood insurance as this can provide you and your community in Dubuque a discount of up to 40%. Although this depends on your score, there's still a big chance of getting a discount through this program with FEMA. Being in a participating community also gives you access to disaster aid and disaster grants.

The Private Flood

Now, let's talk about the other option that most people might not know about or may shy away from, the private flood insurance market. It's important to note that there's nothing to be scared about the private flood as they do what your federal flood insurance can, if not more.

When it comes to private flood coverage, this doesn't have a coverage limit and maximum amount you can go up to. So, if you want to get more than $250,000 for your house and $100,000, you can do so with these private insurance companies. They also offer extra coverage like additional living expenses, loss of use, and replacement costs even if there's no presidential declaration for the flooding that happened.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

It's important to note however that there might be some companies who won't write a policy due to the risks of flooding on your property. This may be due to the property's current flood zone designation or the history of flood loss and flood claims with the house. You won't have to worry about that however since you can still go through other private insurers since there's never one insurance company when it comes to private flood.

Since you're also buying from private insurers, they won't be held back by the red tapes that FEMA has to go through. This is why flood insurance policies from the private market can take effect as soon as you complete your requirements and payment on the flood policy purchase or up to fifteen days.

The Flood Insurance Guru | Flood Map Updates | Spring 2021: Dubuque, Iowa

At the end of the day, being proactive and prepared beats being reactive when it comes to floodings. The choice of where you're getting your flood insurance doesn't really hold that much weight so long as you're making sure that there's a policy ready to save you from potential flood loss

So, if you have questions on these flood map changes, the impacts it has on flood insurance for Dubuque, flood insurance options, or anything related to flood, reach out to us using the links below to call, get a quote, or visit and subscribe to our YouTube channel for our daily flood education videos.

Remember, we have an educational background in flood mitigation. We want to help you protect your property from flood risks and preserve its value long term.

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